Uninsured Motorist Claims

When you are hit by another driver, it is only natural to expect that the driver's liability insurance will cover the damage to your car, your medical bills, lost income and any other damages. However, if the driver is actually uninsured or underinsured, you will need to explore alternative options including taking action against the driver or filing an uninsured motorist claim with your own California auto insurance provider.

What Happens if the Driver is Uninsured?

All California drivers must provide proof of auto insurance coverage if they are involved in a crash that results in injury, death or property damage that exceeds $750. If the driver can not provide proof of insurance, the driver:

  1. May be fined
  2. Receive a driver's license suspension or possible revocation
  3. May have their vehicle impounded

An uninsured motorist may be subject to criminal penalties if there is also evidence of reckless driving or you are the victim of a hit and run.

If you or a loved has been involved in a crash with an uninsured motorist, do not hesitate to seek financial compensation for your losses. An experienced Los Angeles uninsured motorist lawyer can help you explore your options for recovery and guide you through the complex matters of your case in dealing with the driver and your insurance company.

California Uninsured Motorist Accident Statistics

Although California does not rank the highest on the list of states for uninsured motorist accidents, it is still a major problem in this state. According to a study conducted by the Insurance Research Council (IRC), roughly 15% of drivers in California are uninsured.

However, given California's large population, the percentage actually minimize the gravity of the situation. Population-wise, California actually ranks first in the country for uninsured drivers with 4.1 million drivers who do not have coverage.

Filing an Uninsured Motorist Claim After an Accident

Car accidents involving uninsured drivers can be very serious cases. They often involve hundreds of thousands of dollars in property damage, medical costs, and other expenses. Assuming you have uninsured and underinsured motorist (UIM) coverage, you can file an uninsured motorist claim with your insurance provider. Your insurance carrier will thoroughly investigate your injuries and will make a determination as to the value of your claim.

In some cases, your insurance company will attempt to undervalue your claim or will only pay out a tiny portion of the amount that an experienced Los Angeles uninsured motorist accident attorney could recover for you. Although insurance companies may be subject to bad faith lawsuits if they unlawfully deny a claim or act in an adversarial manner against the insured party, all too often victims end up receiving much less than they actually deserve.

At Bridgewater Law Group, we understand the inner workings of the big insurance companies and we are prepared to fight for the maximum compensation owed to you. We also never collect a fee unless we can recover financial damages stemming from your accident so that you do not have to worry about payment until we win your case.

Other Options for Recovering Losses After an Uninsured Motorist Crash

There are also other options that we can help you explore for obtaining compensation beyond filing an uninsured motorist claim with your insurance company:

  • Employer - If the driver was working at the time of your accident, the driver's employer may be liable for your damages.
  • Business or Host - If the driver who caused your accident was a minor or was intoxicated at the time of your crash, you may be able to seek compensation from the bar, restaurant or store who sold the alcohol to the driver while "visibly intoxicated." A host who supplied alcohol to the driver during a party or other gathering could also be held liable.
  • Affluent Driver's Personal Assets - If the driver lacked insurance at the time of the crash but has sufficient personal assets, you may be able to obtain a recovery from their personal financial assists. However, in many cases, uninsured drivers do not have the financial resources to cover all or even most of your losses.

If you think that you might need to file an uninsured or underinsured motorist claim, you should have an experienced Bridgewater Law Group attorney review your case right away. You policy specifies a limited timeframe in which you must bring a claim, which could be as brief as 30 days, so you should act immediately.

Contact us today at (833) 292-8375 today to request your free consultation and to discuss your case with an experienced Los Angeles uninsured motorist lawyer.

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